My girlfriend has pointed out that banks in Poland fairly openly scam their clients by tricking them into commitments they never intended
No they don't,it is just that people don't read small print on their contracts and then blame everybody but themselves vide Amber Gold lately.
investment funds here are riskier than in other countries due to a lack of regulation
This is simply not true.Actually capital market in Poland is over regulated.As for investment funds they work just like elswhere,you know,risk-reward and stuff.
On the other hand inflation is high, and so not putting money somewhere is self defeating, so my feeling is that finding a trustworthy advisor (or two) is pretty critical
I think banks/advisors can create you individual portfolio if you have at least 100 000 PLN so it's not an option for you.Still,I wouldn't do it.Just open an investment account (rachunek maklerski
) in any biuro maklerskie
and buy yourself some stocks or bonds.
Personally i would get into FX trading,
I wouldn't go into anything what requires leverage.He has too little money to lose them all within a week.Stocks is what he wants and needs.